Why Pay-by-Bank Is the Smartest Way to Eliminate Chargebacks

No More Chargebacks. No More Worries.

Wallid’s Pay-by-Bank makes chargeback fraud a thing of the past — with direct-from-bank payments that are verified, final, and built for Shopify merchants in the UK.
Chargebacks drain Shopify merchants —
lost revenue, admin overhead, and increased fees

Pay-by-Bank flips the script

By routing payments directly from a customer’s banking app to your account, Wallid removes card networks (and the dispute system) entirely.
  • That means:

  • Final payments

  • No forced reversals

  • Lower operational costs

What Is Pay-by-Bank?

Wallid’s Pay-by-Bank is an Open Banking payment method that lets your customers check out using their own UK banking app.
  • Bank-level biometric authentication

  • Instant, final settlement

  • No card scheme costs

  • Zero
    chargebacks

5 Reasons Pay-by-Bank Ends Chargebacks
  • No Card = No Chargeback
    Without Visa/Mastercard rails, the chargeback mechanism doesn’t exist.
  • Bank-Verified Identity
    Customers authenticate via biometrics/2FA in their own bank app.
  • Final, Irreversible Payments
    Only you (the merchant) can issue refunds — not card issuers.
  • Ideal for High-Risk Sectors
    Digital, CBD, supplements, and events — industries often hit hardest by chargebacks — finally have protection.
  • Refunds on Your Terms
    1. Refund when you want, how you want. No disputes happening behind your back.
5 Reasons
Pay-by-Bank Ends Chargebacks
  • No Card = No Chargeback
    Without Visa/Mastercard rails, the chargeback mechanism doesn’t exist.
  • Bank-Verified Identity
    Customers authenticate via biometrics/2FA in their own bank app.
  • Final, Irreversible Payments
    Only you (the merchant) can issue refunds — not card issuers.
  • Ideal for High-Risk Sectors
    Digital, CBD, supplements, and events — industries often hit hardest by chargebacks — finally have protection.
  • Refunds on Your Terms
    1. Refund when you want, how you want. No disputes happening behind your back.

Pay-by-Bank vs Card Payments

What Our Clients Say About Us

Conclusion: Protect Your Store from Chargebacks
  • If you sell age-restricted products
    on Shopify UK, you face
    ❌ Risk of fines from Trading Standards
    ❌ Lost sales from popup drop-off
    ❌ Fraud from under-18 bypass
  • With Wallid Pay-by-Bank you get
    ✅ Automatic, bank-verified age checks
    ✅ No chargebacks, no fake IDs
    ✅ Shopify-ready app — install in minutes
Frequently Asked Questions
Chargeback-free payments with instant cash flow
PSD2-compliant & FCA regulated
Works with Shopify in minutes

Ready to Eliminate Chargebacks?